Home Insurance in Middletown, Delaware
The median home value in Middletown is $409,600, 16% higher than the New Castle County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Middletown was built around 2005. About 6% of homes were built before 1960, about 24 points below New Castle County's 30%.
The housing stock in Middletown is 83% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Middletown, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Middletown are owner-occupied.
In Middletown, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Middletown? FEMA's National Risk Index points to winter weather (Very High) in New Castle County and New Castle County had 2,537 active NFIP flood policies as of September 2026. See the full New Castle County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Delaware is $1,196 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $409,600 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in New Castle County | 2,537 |
| Home insurance premium | $1,196 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)